70% of Brokers & Advisors Say Most Clients Face Double-Digit Renewal Increases

Insights from The Phia Group’s 2026 Broker Survey

View the Report

Overpayment Recovery Achieved Through Regulatory Mastery and Persistence

This overpayment recovery presented notable challenges due to repeated provider denials and a complicated Medicare Secondary Payer (MSP) issue. While the provider insisted the plan was primary, Phia independently identified a narrowly applicable Medicare exception tied to the member’s status.

 

Using this regulatory insight, Phia drafted detailed correspondence citing CMS requirements and outlining the consequences of non-compliance. Despite multiple denials and long call times spanning several months, Phia consistently escalated the issue, responded promptly, and maintained pressure through clear regulatory documentation.

 

Ultimately, the provider issued a full refund after two formal denials—validating Phia’s approach and demonstrating the impact of regulatory expertise combined with persistent follow-through.

 

By partnering with The Phia Group, the client was able to recoup $14,000 in overpayments.